A holiday loan will help you get through the Thanksgiving, Christmas, Hanukkah and the new year. White Sands FCU is an excellent source for your next holiday loan.
We know the holidays can be stressful enough without worrying about how to afford them. Worse yet, the shopping season always seems to arrive before you’re really ready for it or prepared with adequate savings. That’s why we offer several different personal loan options to help keep you in the holiday spirit without busting your budget – this season, consider a holiday loan from White Sands FCU. Holiday loans can be used for purchasing gifts, holiday travel, or any other holiday expense. Holiday loans feature:
- Low rates and terms up to 5 years
- Borrow up to $20,000
- Apply online, by phone or in person
- No payments for 90 days (on personal and secured loan)
Personal Loan Rates
APR: Annual Percentage Rate. Rates subject to change without notice.
Loan rates and terms are determined by credit score, amount financed and other factors.
|Term||APR* as low as||APR* as low as - with Loyalty Plus|
|Signature||up to 60 months||10.75%||10.50%|
|Line of Credit||revolving||10.75%||10.50%|
|Share Secured||varies||2.00% above dividend rate||N/A|
|Share Certificate Secured||varies||2.00% above dividend rate||N/A|
*Rates and terms may vary. Subject to credit approval.
We've made getting a loan even easier and more convenient. We now offer members the option of signing their auto and unsecured loan applications electronically using DocuSign. DocuSign is a simple yet secure system that allows us to send you loan documents and get your signature electronically, saving you a trip to the branch or from waiting for paperwork by mail. As long as you have internet and email access, you can use DocuSign. It's free and immediate and you can sign from any type of smartphone, tablet, or computer.
Contact our Call Center at
(575) 647-4500 or (800) 658-9933.
Hours of Operation:
Monday thru Friday, 8 am-5 pm
By email: email@example.com
By mail: P.O. Box 99 Las Cruces, NM 88004
2755 North Main St, Las Cruces NM 88001
Routing & Transit # 312276470
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
White Sands Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with the WCAG 2.0 standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other assistive technology and are encountering problems using this website, please contact us at 575-647-4500 or 1-800-658-9933. Please provide the location of the inaccessible information. All products and services available on this website are available at all White Sands Credit Union branch locations.